The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

Junior Institutes Conference HEN THE Junior Women's Institutes of Ontario held their annual meeting in con- junction with the provincial conference of the Junior Farmers‘ Association, one feature of the programme was a panel discussion on "Man- aging Your MoneygUse Some. Save Some, Give Some." Miss Ruth Moyle of Consumer Informa- tion, Home Economics Service. Ontario Depart- ment of Agriculture, was the moderator; the other members of the panel were Miss Mary Lou Paris. a Women‘s Institute scholarship student at Macdonald Institute; Mrs, Clayton Oliver. a bride of less than a year. Mrs. James Barrie, married twelve years and mother of three children: and Mr. George Atkins who we: married nineteen years ago and has four daughters. (The panelists were chosen partly to represent different age levels with corresponding experience and problems in managing money.) Managing Your Money In opening the discussion. Miss Moyle pointed out that many people are watching to see how. why. when and where we spend our money so that they may find ways of getting their share of .t, Especially. as observed by the anthropologist. Dr. Margaret Meade. are they interested in the consumer with a modest budget. for while wealthy rreople spend a lot of money. usually they don‘t pend heavily on the sort of goods we are pres- -.ured to buy. For instance, in a very wealthy home the furniture, rugs, china. silver and so on, because of their historic value as well as their :raftsmanship, beauty and worth are likely to be 1measured and handed down from one generation Helen Knox and Barbara Honey, in recognition of their Eemulating 12 4-H Homemaking Clubs in 6 years and Vf‘nning PrOVInciol Honours were presented with these Silver troy sat: by Solino institute Durham county. SUMMER 1960 Miss Ileen McKelvie receives the Northumberlond County Ontario Women's Institute Scholarship from Mrs. John Whitehouse. Secretory of the scholarship committee who says, "lleen merited the scholarship on the basis of her 4-H Homemaking Club work [9 projects), her comv munin and school activities and her personal integrity," She is now a nurseAin-training nt Pelerborough Civic Hospital. to another. Miss Moyle suggested that there might he a thought for us here on the question of buy- ing for lusting quality or for temporary service. We must take u look. too. at the pressures urg- ing its to part with our money. and we must consrder how to meet these pressures. “And.” said Miss Moyle. “if you consider the amount of money you have to spend too small to be important. pretend that someone has given you $0.000 to use over the next it) years and fish yourself what you would do with it. Perhaps it seems a great dead of money. But in many jobs today a girl receives hit) or more u week or $3600 a year. which means that in ten years she would handle $26.tttttt. Unfortunately. sometimes at the end of ten years there's very little to show for this SERUM. And that's where the rule 'Use. save and one comes in." On the topic of how to use money. the panel discussed some of the pressures influencing people to use money unu'lscl). Most of them had had some unfortunate experience with it door to door salesmanâ€"tin ugcnt selling :1 wt of books: another offering ‘rl set of pots and puns running to sin-sen pieces without telling that with pot lid was count- ed rt piece. The man on the panel warned against giving u travelling painter lhc job of painting it burn unless he had made u reputation for good pttgnt 3nd grind work. One member had a friend who almost bought it knitting machine before she consulted the Better Business Bureau and learned that vthile the firm promised to huy u customer's knitted articles the payment would he made in wool to knot more articles that could not he sold. The youngest member of the panel spoke of the sales c!erk in a dress shop who would do anything. to make a stile whether or not the dress was right for the customer and she stressed the need of developing stiles resistance. They spoke of good informative advertising and misleading advertising. of gimmicks and pre- miums and appealing to children. as in the case of cereal advertisements on television. They dis- cussed buying for quality and durability as against cheaper and less durable goods. Installment buy- 27